City Union Bank on Monday (November 3, 2025) reported a 15% rise in net profit at ₹329 crore for the second quarter ended September 30, 2025.

The bank had earned a net profit of ₹285 crore in the year-ago period.

Total income also increased to ₹1,912 crore in the second quarter from ₹1,660 crore in the same period of the previous fiscal, City Union Bank said in a regulatory filing.

Interest income improved to ₹1,653 crore from ₹1,434 crore in the same period a year ago.

During the quarter, the operating profit increased to ₹471 crore from ₹428 crore a year ago.

With regard to asset quality, gross non-performing assets (NPAs) of the bank eased to 2.42% of gross advances at the end of September 2025, from 3.54% by the year-ago period.

Similarly, net NPAs or bad loans came down to 0.9% at the end of September 2025 compared to 1.62% a year ago.

As a result, the provision and contingencies declined to ₹57 crore from ₹70 crore in the second quarter of the last financial year.

With regard to capital adequacy, the Capital to Risk-Weighted Assets Ratio (CRAR) declined to 21.68% from 22.98%.